VISA Credit Cards
Stop Chasing Rates and Get Credit Your Way
Whether you prefer cash back and other rewards or a low rate, Velocity Community Credit Union has the card for you. Our VISA Credit Cards Offer:
- Competitive Introductory Rate of 0%1 for 6 months
- No Annual Fee
- No Cash Advance Fee
- No Balance Transfer Fee
- No Application Fee
- No Inactivity Fee
- No Over Limit Fee
Access Your Credit Card Information Online
- View your statement
- Pay your bill
- Get account history
- Transaction Alerts
- View Rewards
Your Card is Waiting
Combine the best of both worlds with a Platinum Rewards VISA credit card from Velocity Community Credit Union. Low rates, awesome rewards, plus the ability to combine points within your household or with your Velocity Community Rewards debit card, means your points add up fast!
Our Platinum Rewards credit card earns you:
- 3 reward points per dollar spend on gas purchases
- 2 reward points per dollar spent on grocery store purchases
- 1 reward point per dollar spent on everything else!
Travel, cash, gift cards, and merchandise - spend your points your way.
How can we make this even better? Open a new Visa Platinum Rewards credit card with us and get 5,000 bonus points! Just make 10 transactions within 90 days of opening the account.
With a Platinum credit card from Velocity Community Credit Union, you’ll enjoy the lowest rates we have available in our credit card program. It is a great card for those who are rate sensitive and frequently carry balances.
Velocity Community's Secured VISA is a credit builder card designed to help those just starting out as well as those looking to rebuild their credit. You can choose either a Platinum or Rewards credit card at the best rate available.
To secure the card, a special account is opened to hold your deposit. The deposit money is on hold as security for the credit balance on the card. For example, if you want a credit limit of $500, then you would deposit $500 to the new account. The deposited money is held in case of a default (more than one missed payment). We do not pay for purchases from those funds, nor will we make payments from it.
Here are some of the features:
- Deposit as much or as little2 as you like. Your credit limit is equal to the amount of your deposit.
- The money continues to earn dividends just as if it were being held in your savings account.
- Receive a monthly bill and make payments as you would any other credit card.
- Paying on time every month will help build good credit.
- With good payment history, you may request that we modify your account to a non-secured card. Once approved, we will return your deposit to you.
You can manage your account online through Online Banking by enrolling your card on the credit card page.
2 Minimum deposit of $200.
Velocity Community Credit Union and Visa will not send emails requesting your personal account information. If you receive an email that appears to be from Velocity Community Credit Union or Visa requesting your account information, you should consider it to be a fraudulent attempt to obtain your personal account data for illegal purposes and should not follow the instructions in the email.
If you respond to such an email and provide any confidential account information, please notify us immediately of the scheme at phishemail@VelocityCommunity.org. You should also change your account's PIN and take any additional action recommended by Velocity Community CU to protect your account.
Credit Card Disclosure
Click here to view a copy of our Credit Card Disclosure (also known as a Schumer Box) for more detailed rate and disclosure information.
1 New purchases and transferred balances will have a 0% APR, introductory rate for 6 months (6 billing cycles). At the end of the introductory rate period, the account will convert to the current variable rate of Prime plus margin as determined by credit worthiness. Rates are currently 4.25% APR plus margin, as of November 21, 2017. Annual Percentage Rate will not exceed 18% APR. Existing Velocity Community Credit Union VISA Credit Card balances are not transferable.